¹ No $3 monthly service fee when primary owner of Essential Savings account is an owner of an Essential Checking account; or if the primary owner of Essential Savings account is 18 years of age or younger or 60 years of age or older; or maintain a $300 minimum daily balance.

² Non-USB ATM transaction fee waived up to 6 times per statement cycle for ages 15-24 (age based on primary owner).
If account becomes overdrawn, fees may be assessed. Please see our Schedule of Interest and Deposit Account Charges or call 866.872.1866 for further information.

Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.

If account becomes overdrawn, fees may be assessed. Please see our Schedule of Interest and Deposit Account Charges or call 866.872.1866 for further information.

*To receive up to $154.00 bonus, open a new Essential Checking account (subject to approval) as the primary account holder and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $54.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $50 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only.

Offer is valid from February 9, 2026, through April 30, 2026. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between May 1, 2026, and July 31, 2026, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank and their household members are not eligible.